Political Violence Insurance Claims

Get the best outcome with expert political violence claim support

Political violence (PV) losses rarely fit neatly into a standard property claim. Insurers will scrutinise how the event is classified, which policy responds, how many separate occurrences took place and whether any exclusion applies. Our specialist team manages your claim from first contact to final settlement, making sure the event is presented correctly and every element of your loss is recovered.

What Political Violence Insurance Covers

Standard property policies usually exclude riot, terrorism and war, which is why businesses with assets in the UAE and across the region buy standalone political violence cover. Depending on your wording, a PV policy can respond to:

• Strikes, Riots & Civil Commotion (SRCC): Physical damage to buildings, fit-out, machinery and stock caused by rioters, strikers or civil disturbance.
• Malicious Damage & Sabotage: Deliberate damage to your property, including arson and vandalism carried out during periods of unrest.
• Terrorism: Loss or damage caused by an act of terrorism, whether by an individual or an organised group.
• Insurrection, Revolution, Rebellion & Coup d'État: Damage caused by the overthrow, or attempted overthrow, of a government.
• War & Civil War: Where purchased, damage caused by hostilities, invasion and warlike operations, including missile and drone strikes.
• Business Interruption & Extensions: Lost profit and increased costs of working after insured damage, plus extensions such as denial of access, loss of attraction and debris removal.

How Oakleafe Helps If You Need to Claim

Insurers appoint Loss Adjusters to protect their own interests. An Oakleafe Loss Assessor works exclusively for you, the policyholder, and handles every stage of your political violence claim:

• Rapid Response: We attend site as soon as it is safe, help secure the premises and organise emergency repairs to prevent further loss.
• Policy Review: We analyse your PV wording, sub-limits, deductibles and exclusions to establish exactly what you are entitled to.
• Cause & Classification: We gather CCTV, police reports, official statements and witness evidence to prove the cause and correctly classify the event.
• Occurrence & Hours Clauses: We present the timeline so that damage over several days is grouped in the way that best protects your deductible and limits.
• Full Quantification: We calculate building, contents, stock and business interruption losses, supported by forensic accountants where needed.
• Negotiation & Settlement: We deal directly with insurers, brokers and adjusters until your claim is settled in full.

With over 30 years of experience, our team gives you the technical knowledge and negotiating strength to secure your full entitlement while you focus on recovery.